Interoperable mobile wallet refund
Number of patents in Portfolio can not be more than 2000
United States of America Patent
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Aug 14, 2018
Grant Date -
N/A
app pub date -
Dec 9, 2016
filing date -
Dec 9, 2016
priority date (Note) -
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status (Latency Note)
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Abstract
A computer-implemented system and method that includes receiving, by a messaging hub computer system, from a point of sale (POS) device of a merchant, a request to process a refund for a transaction that occurred between the merchant and a mobile device of a payor, the request comprising a previously used code that was exchanged between the POS device and the mobile device. The method includes determining, by the messaging hub computer system, a first financial institution based at least partially on a portion of the code, and receiving, from a computer system of the first financial institution, payment credential information of an account held by the payor to process the refund using the payment credential information. The method may further include transferring, by the messaging hub computer system, the refund from an account held by the merchant to the account held by the payor.
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